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Debt collectors are subject to federal debt collection law, which outlines strict requirements for those attempting to collect a debt. For instance, in every phone call and letter, debt collectors must state "This is an attempt to collect a debt and any information will be used for that purpose"; this is known as the mini-miranda. Additionally, after initial contact with a consumer, the debt collector must send, within five days, a letter to the consumer explaining their rights and outlining the debt. Failure to meet these or other debt collector obligations is a violation of federal debt collection law.
Attorney Billy Howard explains identity theft and how you can prevent yourself from becoming a victim.
In a debt harassment lawsuit, the plaintiff may be entitled to monetary damages, including compensation for emotional anguish, damage to credit, and job loss.
Debt harassment attorney Billy Howard explains how retaining harassing phone messages from debt collectors can help strengthen a debt harassment case.
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